Ron Goldstein

Goldstein, CLU, is president and CEO of CHOICE Administrators, which provides health and ancillary insurance options and provider access to small businesses and their employees. He also created and currently manages America’s longest-standing, state-approved exchange, CaliforniaChoice, and the nation’s first ancillary benefits exchange, Choice Builder.

Next month, the Supreme Court is expected to hand down its opinion regarding the individual mandate contained in the Patient Protection and Affordable Care Act. Their ruling on the constitutionality of requiring every American to purchase health insurance may affect how health reform moves forward. But, one thing the ruling will not significantly alter, in all likelihood, is the development of state-run health insurance exchanges. That's because regardless of the individual mandate, employers and individuals will still be looking for a vehicle that provides affordable health insurance that meets their needs - and exchanges may indeed be the answer.